• Online Banking


Our Cash Management offers a suite of products and services tailored to meet the financial needs of our business customers. Every business customer is unique. We understand and can provide a comprehensive solution to improve the daily operating procedures for the business customer. By implementing a comprehensive solution, management can efficiently analyze, invest, move, and manage cash flow.

ACH Origination

Direct Deposit for Payroll or Direct Payment for collection of funds. Learn More.

Remote Deposit Capture

Convenience of making deposits at your business on a desktop PC without having to come to the bank. Learn More.

Zero Balance Accounts (ZBA)

Multiple accounts, set up as Zero Balance Accounts, can be linked to a single account and funded daily. The Zero Balance Accounts receive funds from a single account for the total amount of items presented. Leaving the Zero Balance Account balances as zero, Citizens National Bank can maximize idle balances improving control of cash flow.

Positive Pay

Check fraud prevention-customers upload issued checks file to Internet Banking creating a database of issued checks. Each day Positive Pay automatically compares checks presented for payment to issued checks for discrepancies. If there are any discrepancies found, amount or check numbers, this item is presented as suspect. Customers can view the item and make payment decisions if the item should be paid or returned.

Wire Transfers

Initiate Wire Transfers conveniently with Internet Banking without calling the bank. Authorized users with dual control can access to originate wire transfers, receive confirmation and see detailed information. Wire transfer and wire transfer detail history are available to view or print.

For more information, contact Tara Diehl at (318) 698-8521.